Terms and Conditions

1. Acceptance of Terms

By accessing or using the Nimbus Fondwick website or any associated Services, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, you must discontinue use of the Services immediately.

2. Description of Services

Nimbus Fondwick provides informational tools and analytical resources intended to support decision-making around long-term financial planning. The Services are offered for general informational purposes only and do not constitute financial, legal, tax, or investment advice. Any content, calculations, or outputs generated through the Services should not be relied upon as a substitute for consultation with a qualified professional.

3. Eligibility

You must be at least the age of majority in your province or territory of residence to use the Services. By using the Services, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into these Terms.

4. Account Registration

Certain features of the Services may require you to create an account or submit personal information through a contact or lead form. You agree to provide accurate, current, and complete information and to keep such information up to date. You are responsible for maintaining the confidentiality of any credentials associated with your account and for all activity that occurs under it.

5. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable law or regulation;
• Attempt to gain unauthorized access to any part of the Services, related systems, or networks;
• Interfere with, disrupt, or place undue burden on the Services or their infrastructure;
• Reproduce, duplicate, copy, sell, or exploit any portion of the Services without prior written consent;
• Submit false, misleading, or fraudulent information through any form or tool provided on the site.

6. No Financial Advice

Nothing contained within the Services constitutes an offer, solicitation, or recommendation to buy, sell, or hold any financial product. Outputs, projections, or estimates generated by Nimbus Fondwick's tools are illustrative only, are based on assumptions and inputs that may not reflect your actual circumstances, and should not be treated as guarantees of future results. You should seek independent professional advice before making any financial decision.

7. Intellectual Property

All content, trademarks, logos, text, graphics, software, and other materials available through the Services are the property of Nimbus Fondwick or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted, no part of the Services may be reproduced, distributed, modified, or used to create derivative works without prior written permission.

8. Third-Party Links and Services

The Services may contain links to third-party websites or reference third-party services that are not owned or controlled by Nimbus Fondwick. We are not responsible for the content, accuracy, or practices of any third-party sites or services, and your interactions with such third parties are governed by their own terms and policies.

9. Disclaimers

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of content. Nimbus Fondwick does not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Nimbus Fondwick, its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of, or inability to use, the Services, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Nimbus Fondwick and its representatives from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Services, or your violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Services, without prior notice, for any reason, including if we reasonably believe you have violated these Terms. Upon termination, provisions of these Terms that by their nature should survive will remain in effect.

13. Changes to the Services and Terms

We may modify, suspend, or discontinue any part of the Services at any time without liability. We may also update these Terms from time to time, and any changes will be effective upon posting to this page with a revised "Last updated" date. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in your province or territory of residence, without regard to conflict of law principles, unless otherwise required by applicable regulation. [This section should be reviewed and finalized with legal counsel prior to publication.]

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Contact Information

If you have any questions about these Terms, please contact us through the details listed on our Contact page.